No Standard Requirements

Foreign National

The mentality behind our Foreign National Program is simple: We want your business. Forget about what other lenders require. We don’t need any of it. All we need is your desire to invest in the US and we’ll handle the rest. Welcome to the simpler side of America.

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Program Details

Investing in the United States can often prove to be a little difficult and for many reasons. Especially in Real Estate. Many foreigners will experience that most American lenders require various documentation that a foreigner just simply cannot provide. Visas, social security numbers, domestic and foreign credit reports, employment in the US, domestic tax returns, domestic assets…the list goes on. It’s become increasingly difficult for an American Citizen to obtain a mortgage in the US and for a foreigner, it’s almost impossible. Not here.

All Property Types

  • Passport Only
  • Current US Status is not required nor verified.
  • No Social Security Number is to be stated on 1003 and no credit report of any kind will be pulled (Domestic or Foreign).
  • Purchase and Refinance R/T: 65% LTV to $2M, Refinance C/O: 50% LTV to $2M
  • 2nd Home & Non-Owner Only: SFR 1-4, Condo’s and PUD’s accepted (Must be warrantable ((Freddie-Mac Guidelines)).
  • Minimum 12 months reserves PITIA sourced and seasoned for 2 months required for SIVA Elite.
  • 12-24 months reserves requires the Borrower be employed in another country for a minimum of 2 years and an Employment Letter reflecting income and status must be obtained (Not Verified).
  • 12-24 months reserves require Income is to be stated at a maximum of 40% DTI.
  • 24 months reserves will be NO DTI.
  • Foreign and Domestic Assets acceptable.
  • For Foreign funds, a Bank Letter on letterhead reflecting the borrower’s daily average balance for 3 months and current balance will be accepted in lieu of bank statements (Not Verified).
  • Present Address of borrower must be a foreign address (Not Verified) and Mailing Address must be a domestic address other than Subject Property.
  • SREO is to list their current property in their country.
    Up to 100% Gift Funds Allowed. Minimum 5% of Purchase Price + Reserves must be Borrower’s own funds Sourced and Seasoned for 2 months.
  • Subject Property must be off MLS for a minimum of 90 days prior to the submission date.
  • No max properties owned/financed.
  • Funding is taking approximately 45 days from time of submission for both Purchase and Refinance transactions.


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Frequently Asked Questions

TLA Bancorp is an experienced and seasoned licensed lender, offering loans to brokers, realtors, and consumers alike.  Just tell us about yourself, your home, and your finances, and we’ll give you real rates and numbers. We’ll get you approved and be open to any and all questions you may have that will help you choose the mortgage that’s right for you.

TLA Bancorp is a seasoned licensed lender offering products to industry professionals and consumers alike.  Just tell us a little about yourself, your home, and your finances and we’ll be able to give you real rates, costs (if any), and turn times immediately while ensuring we address all your questions and concerns throughout the process.

We provide award-winning customer service and expert advice when you need it 24 hours a day, 7 days a week. Our team is ready to assist you at any time.

Yes. Protecting your personal information is our top priority.

TLA Bancorp is located at 29209 Canwood Street Ste 210, Agoura Hills, CA 91301.

Certain programs will require certain credit criteria and requirements. However, some do not require any credit requirements of any kind at all. Please call one of our professional team members for more information.

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